Forgotten Passwords

Forgotten Passwords

Forgotten Passwords

Several years ago, a young man named Maruicio Estrella had one of those inspirational moments that makes so much sense in hindsight.

Due to a recent divorce in his life, he found himself in an angry depression. The final straw seemed to be one day when he walked into his office and was faced with a “Your Password Has Expired” message on his computer.

Remembering that a former boss had combined to-do lists with passwords, he had a sudden insight. He would use a password to change his life.

He came up with the password Forgive@h3r. The constant reminder over the next 30 days as he typed in his password every morning seeped into his subconscious. It had a healing effect on him.

At the end of 30 days, he changed his password to Quit@smoking4ever. According to Estrella, he quit smoking overnight.

Here are some other passwords he has used since, and his results:

  • Save4trip@thailand. I went 3 months later.
  • Sleep@before12. It worked. Got lots of sleep.
  • No@drinking2months. It worked, felt great!
  • Eat2times@day. Never worked, still overweight.
  • Get@c4t! It worked…we have a cat.
  • Facetime2mom@sunday. It worked. I talk with my mom every week.

What kinds of goals can you put into your passwords, and possibly into your life?

Why Work with Mario Quintero

I help people reach their goals.  Whether you want to buy for the first time, refinance your existing loan, purchase an investment property, or sell your home, TODAY is your moment. Have a look at your options with the help of Mario Quintero of STC Loans. Mario has been in the Miami real estate and mortgage business since 2002. His experience is tested and true. Mario has helped thousands of clients reach their home ownership goals,

Mario Quintero, principal of Strock and Tanner Mortgage, gets your deal done. Let me be both your trusted Miami realtor and Miami mortgage broker.

Get in Touch with Mario

I’m Mario Quintero, your mortgage & realtor for life. Let me be your Miami home consultant. Our office specializes in both residential and commercial real estate and financing programs. Let me help you secure a conventional, jumbo, FHA and foreign national mortgage loans. Furthermore, we can help your elderly parents secure a comfortable retirement with a reverse mortgage.

Call me today at 305-598-1600 or contact me here.

for sale

Miami Home Sales are off the charts, too!  Are you still on the fence about buying that next Miami property?  What are you waiting for?  Miami home sales continue to outperform the rest of the country.

Pending home sales hit second highest point in decade in the USA!   Pending home sales increased in July led by high gains in the West, which hit its highest month in more than three years. There is, however, still room for more growth. There’s little doubt there’d be more sales activity right now if there were more affordable listings on the market.

Pending home sales increased in July up to the highest reading in over a decade, according to the latest report from the National Association of Realtors.  And Miami home sales, though not leading the pack this month, have certainly continued to outperform the national average.

While the West led the way with its increase in pending home sales, the Midwest was the only area to see a decrease in contract activity, according to the report. “The index in the West last month was the highest in over three years largely because of stronger labor market conditions,” NAR Chief Economist Lawrence Yun said.

“If homebuilding increases in the region to tame price growth and alleviate the ongoing affordability concerns, the healthy rate of job gains should support more sales,” Yun said.

The Pending Home Sales Index, a forward-looking indicator based on contract signings, rose 1.3% to 111.3 in July, representing the second highest point this year. It is up from a downwardly revised 109.9 in June, and up 1.4% from last year’s 109.8.

An index of 100 is equal to the average level of contract activity during 2001, the first year to be analyzed. Coincidentally, 2001 was the first of four consecutive record years for existing-home sales.

“Amidst tight inventory conditions that have lingered the entire summer, contract activity last month was able to pick up at least modestly in a majority of areas,” Yun said. “More home shoppers having success is good news for the housing market heading into the fall, but buyers still have few choices and little time before deciding to make an offer on a home available for sale.”

“There’s little doubt there’d be more sales activity right now if there were more affordable listings on the market,” he said.

Residential construction data shows that the size and costs of new homes moved downward over the past year, the report said. This is an early indication that homebuilders are beginning to shift away from building larger, more expensive homes in order to focus on properties in the middle and lower price ranges.

“Realtors in several high-cost areas have been saying for quite a while that there is robust demand for single-family starter homes and townhomes at an affordable price point for young buyers,” Yun said. “The homeownership rate won’t move up from its over 50-year low without a meaningful boost from first-time buyers, whose participation has yet to noticeably increase so far this year despite mortgage rates near all-time lows.”

In fact, homebuilder confidence increased in August as new construction and new home sales increase, according to the Housing Market Index by the National Association of Home Builders and Wells Fargo.

According to the latest estimates released jointly by the U.S. Census Bureau and the Department of Housing and Urban Development, new home sales soared in July.

“Single-family starts are still growing at double-digit rates,” Trulia Chief Economist Ralph McLaughlin said in response to the new home sales report. “Supply-constrained homebuyers should rest assured that relief is on the way.”

Are you interested in learning more about Miami home sales? I’m Mario Quintero, your mortgage & realtor for life. Let me be your Miami, Florida home consultant. Our office specializes in both residential and commercial real estate and financing programs. We help you secure conventional, jumbo, FHA and foreign national mortgage loans. We can also help your elderly parents secure a comfortable retirement with a reverse mortgage. Call me today at 305-598-1600.

Reprinted from Kelsey Ramírez, Housing Wire, August 31, 2016

 

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Miami real estate continues to boom…

As per the most recent Marketwatch of just yesterday, there is “no better time in history to invest in real estate.”

There is much talk out there of the market correcting, but though interest rates continue to fluctuate, international events continuing to occur, such as Brexit, the stock market fluctuating, along with many other factors, clearly, real estate not only continues to boom but more importantly, continues to be one of the historically safest investments, with substantial gains over time.

As per the Marketwatch piece, “And given that so many traditional asset classes are facing headwinds, it’s worth taking a serious look at real estate both as a way to find new opportunities and to hedge your bets in a challenging market.” Ultimately, given the volatility in other traditional investments, real estate not only provides a safer haven, but may also provide a steady income in the long-term.

Again, per Marketwatch, “Yes, a rental property isn’t exactly a conventional income investment … but 10-year Treasurys yield less than 1.6% annually and investment-grade corporates aren’t much better. And sure, house flipping is risky and isn’t for everyone, but the same is true for small-cap biotech stocks and emerging-market equities.”

So many investors are looking to vary and diversify their assets accordingly in order to not be fully committed to one particular investment. Moreover, the steady income from a rental property is a welcome addition to anyone’s bottom line.

Are you looking into purchasing an investment property for rental income? This is one of the services we provide our clients at Strock and Tanner Mortgage.

I’m Mario Quintero, your mortgage & realtor for life. Let me be your Miami, Florida home consultant. Our office specializes in both residential and commercial real estate and financing programs. We help you secure conventional, jumbo, FHA and foreign national mortgage loans. We can also help your elderly parents secure a comfortable retirement with a reverse mortgage. Call me today at 305-598-1600.

 

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A Great Time to Refinance…

Just yesterday the Fed announced they may very well still raise interest rates in one or both of their remaining meetings this year.

What does this tell us?   Historically, it’s the absolute best time to refinance your home.  Never in history have interest rates been this low and attractive.  Think what you can do with the money you would be saving?  At the end of the day, you could practice good ol’ American consumerism by injecting your savings back into the economy.  It’s what Americans are known to do…

At Strock and Tanner Mortgage, we specialize in all types of home loans, mortgages, refinances and reverse mortgages.   We have experience in all ends of the real estate market, from realtors, to loan officers, to in-house servicing.  We can handle all your home purchase and financing needs.

If you’re in the market to purchase a new home, refinance and existing property, obtain a reverse mortgage on the equity in your home, your seniors parents home, or a friend or family member, call us at Strock and Tanner Mortgage to help you convert your dreams into reality.

Want to see stories of satisfied clients?  Have a look at our album of successful closings here.  It’s our business to make your real estate goals into reality.  We are licensed in the entire state of Florida and can help you regardless of your location.  Join thousands of satisfied clients.

I’m Mario Quintero, your mortgage & realtor for life. Let me be your Miami, Florida home consultant. Strock and Tanner Loans specializes in both residential and commercial real estate and financing programs. We help you secure conventional, jumbo, FHA and foreign national mortgage loans. We can also help your elderly parents secure a comfortable retirement with a reverse mortgage. Call me today at 305-598-1600.

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It’s been a month since the Brexit vote and, as we reported initially, Miami home loan interest rates have continued to decline.

Just this week we reported how we now have a new conventional home loan interest product with 1% down payment, up to $417,000 loan as long as your total debt service ratio is no more than 46% and your FICO credit score is over 700.

These numbers are unheard of post the Great Financial Recession of 2009. If you have not yet acted, NOW is the time to purchase or refinance your home in order to lock-in these low rates before they increase.

As you very well, the Fed’s actions are unpredictable from meeting to meeting, so home interest rates could very well rise at any time without prior notice.

The Miami housing market continues to sizzle despite other major metropolitan home areas nationwide showing signs of slowing. We are not only fueled by locals interested in buying, selling and refinancing, but we have a large tourist population making Miami a second home. Our international foreign buyer base is also strong seeking a secure harbor to park their capital given uncertainty in other global markets.

I’m Mario Quintero, your mortgage & realtor for life. Let me be your Miami, Florida home consultant. Our office specializes in both residential and commercial real estate and financing programs. We help you secure conventional, jumbo, FHA and foreign national mortgage loans. We can also help your elderly parents secure a comfortable retirement with a reverse mortgage.  Call me today at 305-598-1600.

 

 

 

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Foreign Buyers Continue to Flock to South Florida…

According to a recent article by Diana Olick of CNBC news, “As for U.S. destinations, five states accounted for half of foreign buyer purchases: Florida, (22 percent), California (15 percent), Texas (10 percent), Arizona and New York (each at 4 percent).”

Though real estate seems to have slowed in some markets, Florida continues to be a very popular market for both domestic and foreign buyers willing to park their money in “safer” investments. The fact remains, Florida is a “paradise” of sorts. Thousands flock here from throughout the world due to our warmer climates, proximity to amazing world-class beaches, a no-tax state, along with Miami being the long-time gateway to Latin America, soon becoming the same for Western Europe.

Florida is the place to be.

Are you a foreign buyer thinking of purchasing real estate in Florida?

I’m Mario Quintero, your mortgage & realtor for life. Let me be your Miami, Florida home consultant. Our office specializes in both residential and commercial real estate and financing programs. We help you secure conventional, jumbo, FHA and foreign national mortgage loans. We can also help your elderly parents secure a comfortable retirement with a reverse mortgage. Call me today at 305-598-1600.